Job Responsibilities(JR) : 6 8 Areas Actionable (4-6) Identification & Investigations on Frauds/Disputes Train vendors/staffs along with ADFC/HDB team for identifying fraudulent applications, profiles Train them to current and latest fraud trends and maintain tracker Liaise with other units/counterparts to ensure correct information is obtained to carry out necessary investigations and reviews Update and logically close investigations on cases referred.
Ensure completion of documents, filing and indexing of documents, reports Do seeding, and other related investigations at sourcing levels Investigation Train and review ADFC staff so as they can carry out necessary investigations in their location.
Do proper customer & merchant investigations and take disputes to logical end by way of recommending credit or liability etc.
basis merit of the case and due investigations Ensure completion of documents, filing and indexing of documents, reports Do field visits wherever necessary and carry out joint visits if required.
Lead Investigation on credit, debit, prepaid dispute cases and other Payments products.
Investigation on CNP referrals (CC & DC), Net baking / Chillr / UPI disputes.
Collection referred cases, Non Starter & Web Marked cases investigation.
Deceased customer verification Provide IR/MO for FMR reporting Provide Policy level inputs for process correction , as and when required Regular Interaction with all the functions of the bank mainly with the Sales, Credit, Collections and Merchant Services ensure appropriate feedback on identified issues Keep the Fraud exposures much below the benchmarks by way of proper control mechanisms by understanding the market trends in-depth Recovery/Law Enforcement Liaison Work on fraud cases to ensure recovery through various mechanism like field, through the help of law enforcement or through other banks, and merchants File police complaints, liaise with law enforcement teams on fraud cases post necessary approvals Industry Level networking Interact with counterparts and risk officials of other banks to get correct information which can help in closure of investigations duly Scout for negative information like DSE, fraud companies, merchants and profiles and neglist them in our systems Maintain an MIS and details of such negative information Team Coordination & Vendor Management Team management & Synergize to maximize the results Train vendors, review their reports and quality, document with them in terms of month end letters, review of bills so as correct bills are submitted Support colleagues as a backup in contingency and if required Update team, supervisors on frauds, trends etc.
on immediate basis Ensure that empanelment checks are conducted at the on boarding stage on various vendors / channel partners operating Payments business units Cross Checks To carry out cross checks as specified in the internal RIC bulletins / rolled out by the Central RIC team.
SLI Cross check activities Ensuring that negative findings / variances found whilst conducting the cross checks are addressed with the respective units and appropriate action is taken where required.
Gold Loan T & F activity, Cross valuation and packet opening.